In 2009, at the height of the global economic crisis, it was clear that we were seeing something new: the impacts of the crisis were flowing across borders at unprecedented velocity.
We need to steer clear of this poverty of ambition, where people want to drive fancy cars and wear nice clothes and live in nice apartments but don't want to work hard to accomplish these things. Everyone should try to realize their full potential.
Refinancing doesn't reduce your debt, it just restructures it, so be clear about what you want to achieve with a refi.
In fact, there is clear evidence of black intellectual superiority: in 1984, 92 percent of blacks voted to retire Ronald Reagan, compared to only 36 percent of whites.
One thing is clear to me: We, as human beings, must be willing to accept people who are different from ourselves.